Best Dog Insurance: 3 Best Companies For Large Breed Dogs

best pet insurance for large breed dogs

best pet insurance for large breed dogsFinding the best pet insurance for large breed dogs is not as simple as it sounds since the market offers numerous providers. In most cases, insurance companies charge higher rates for older and larger dogs because they tend to have health issues due to their weight and age.

I made it my mission to go over some of the most popular insurance companies, their plans, deductibles, benefits, and drawbacks to find the three best companies for large breed dogs.

Below, you can read more about the types of packages you can get, where these companies are available, and the prices of their rates. I also included a short buyer’s guide that will help you get a better idea of the factors that can influence the price of dog insurance.

Product Quick Links

  1. Lemonade Insurance – Best Overall
  2. PetFirst – Best Reimbursement Rates
  3. Petplan – Most Extensive Accident And Illness Plan
Product Features Rating
Lemonade Insurance

(Best Overall)

  • Three types of packages (Accident and Illness, Extended Accident and Illness Add-On, and Preventive and Wellness Package)
  • Easily customizable policies
  • Great for healthy pets, no matter the size and the breed
4
PetFirst

(Best Reimbursement Rates)

  • Two customizable plans: Accident and Illness Coverage and Routine Care Rider
  • Reimbursements between 70% and 90%
  • Covers any vet office in the U.S.
4
Petplan

(Most Extensive Accident And Illness Plan)

  • A single, customizable Accident and Illness policy
  • Extensive coverage in a single plan
  • Works with any vet office in the USA and Canada
4

Our Top Pick

Lemonade pet insurance is the best health insurance for dogs of all sizes and breeds. This company offers the lowest rates, several different packages, and all their policies are highly customizable.

Best Pet Insurance For Dogs Reviews

1. Lemonade Pet Insurance – Best Overall

Lemonade Pet InsuranceLemonade is one of the best dog insurance companies with incredibly low rates. Their insurance plans are highly customizable, and the rates start at only $10 per month.

Key Features

  • Three types of packages (Accident and Illness, Extended Accident and Illness Add-On, and Preventive and Wellness Package)
  • Easily customizable policies
  • Great for healthy pets no matter the size and the breed

Benefits

  • Bundle opportunities
  • Extremely affordable premiums
  • Very detailed and easy-to-read documents
  • Easy access through their great website and mobile app
  • Instant claim payouts

Drawbacks

  • Doesn’t have insurance agents
  • Doesn’t cover pre-existing conditions, elective cosmetic procedures, or behavioral treatments
  • Available in 33 states, but are constantly expanding

Like most other dog health insurance plans, Lemonade’s insurance doesn’t cover pre-existing conditions, behavioral treatments, and elective cosmetic procedures.

Also, all of the communication is done through their website and their app. For some people talking to an agent is a much better alternative. However, Lemonade’s website and app are very easy to use, and you won’t have any trouble finding all the answers you need.

How It Compares To Others

Lemonade has the lowest premium rates of all the other insurance companies mentioned in the review. If you already have renters or homeowners insurance with Lemonade, you can get 10% off your pet insurance. Their rates are already the lowest on the market, so that 10% will allow you to upgrade the package with valuable add-ons.

Lemonade insurance was first introduced in April 2015. They started with homeowners and renters insurance and recently expanded into pet insurance.

  • Price: policies start at $10 per month
  • Availability: 33 states

2. PetFirst – Best Reimbursement Rates

PetFirstPetFirst is an insurance company that has no restrictions when it comes to dog breeds and age. Your furry friend will definitely get a quote from this insurer, and they’re available in all the states across the U.S.

Key Features

  • Two customizable plans: Accident and Illness Coverage, and Routine Care Rider
  • Reimbursements between 70% and 90%
  • Covers any vet office in the U.S.

Benefits

  • After a six-month period, the insurance covers Intervertebral Disc Disease, Medical Cruciate, Anterior Cruciate Ligaments, Posterior Cruciate Ligaments, Cranial Cruciate Ligaments
  • No restrictions on age or breed
  • Lower deductibles each year if you don’t file a claim
  • Accident coverage is available within 24 hours

Drawbacks

  • Low annual limits
  • Doesn’t cover pre-existing conditions

Similar to the other two insurance companies on the list, PetFirst doesn’t cover pre-existing conditions. Another drawback I noticed is the low annual limits that go up to $10,000.

How It Compares To Others

This is a great insurance company that will be a good option for people with older large breed dogs. PetFirst was founded in 2004.

  • Price: start at $15 per month
  • Availability: 50 states

3. Petplan – Most Extensive Accident And Illness Plan

Petplan

Petplan is one of the most reputable insurance companies for pets, and the company has been around for almost 20 years. Their single policy is quite extensive; however, they don’t offer any preventative care options.

Key Features

  • A single, customizable Accident and Illness policy
  • Extensive coverage in a single plan
  • Works with any vet office in the USA and Canada

Benefits

  • Extensive coverage with the single policy they offer
  • Great website and customer service
  • Coverage for unexpected events such as canceled trips
  • Multi-pet discount

Drawbacks

  • Doesn’t cover pre-existing conditions, dental care, vaccinations, neutering, annual check-ups, and spaying
  • Limited coverage for older dogs
  • Only one plan available

Petplan doesn’t include pet vaccines or preventative care plans in any of their policies. The insurer also has limited coverage for older dogs, and insuring a large breed dog will cost you more.

How It Compares To Others

Our research showed that this is the pet health insurance for dogs that offers the most extensive coverage in a single policy. Although it is a little costlier than other companies, none of them have such a detailed plan.

This insurance company was founded in 2003 and now focuses both on dog and cat insurance.

  • Price: average policy cost $35
  • Availability: the U.S. and Canada

Buying Guide

The following three factors can come into play when you’re choosing an insurance provider for your furry friend.

Age

Age is a significant factor when looking for dog health insurance. Most companies might decline to insure your furry friend because of its age. Even if a company decides to insure an older dog, you can expect it to cost you more.

Breed

Certain dog breeds are more prone to health issues; that’s why they’re most expensive to insure. Larger breeds often have issues with their bones and joints, and these problems become more apparent as they age.

Some of the breeds that cost the most to insure are French bulldogs, Dogue de Bordeaux, German shepherds, golden retrievers, rottweilers, boxers, and more.

Size

Not all large dogs are hard to insure, but it will cost more. Actually, the size of the dog doesn’t matter as much as its health condition does.

Larger breeds will indeed be more expensive to insure because these dogs tend to have common health issues with joints, bones, ligaments, and other conditions. There is no way to know the exact cost until you get a quote from the insurance company you’re interested in.

Final Thoughts

Finding good pet insurance for dogs with a large size won’t be as hard as long as your dog is healthy. Some insurers will deny insuring an older dog; however, there is no way to know for sure until you get in touch.

Lemonade offers cheap pet insurance for dogs of all sizes and has the most affordable rates on the market. After researching their policies in-depth, I can conclude that they’re highly customizable, made to fit everyone’s needs. Another huge plus is their significant online presence, with a well-made website and mobile app.

Although Petplan and PetFirst are also excellent insurers for both dogs and cats, Lemonade is still the absolute winner of this review.